Insurance claims are always a bit of a hassle, especially if you think that you aren’t getting the amount that you actually deserve when you file your claim. The big question here, is whether or not the insurance company is actually owning up to what they owe you. You pay your deductible on time every month, and when something finally happens, you expect a certain service in return. Well, are you getting it? There are many reasons for which you might not be, and we will discuss some of the obvious, and then discuss whether or not you need to find a good public adjuster Vero Beach Florida.
Reasons for Deficiency in your Insurance Claim
Why would an insurance company short you if you deserve a certain settlement and if you are actually paying for the service? The first thing you need to understand when it comes to insurance companies is that their purpose, while hidden behind the guides of helping people, is to make money. They make money from your monthly deductible, they make money in fees, fines, and many other ways. What they don’t like, however, is losing money. Each and every time they are forced to pay out a claim, they are losing money. The second thing you must understand is that they are likely trying to not set a precedent for services. If it appears as if they are paying out generously for every single claim, it may appear to be discrimination in the event they finally refuse to pay out. In other words, they are protecting their bottom line and their image at the same time. Does this mean you cannot except them to pay out at all? The answer is a bit subjective based upon the insurance company that you are obtaining your services from. It is also a great reason for you to seek out the services of a public adjuster Vero Beach, FL.
What is a Public Adjuster and Why do you Need One?
When something happens to your property be it your house, your car, your front yard, or even your backyard swimming pool, an insurance agent will be dispatched to review the damage and determine how much of a payout you are going to be needing to compensate for the damages to the property in question. Once they have made their assessment, the information will be sent back to the insurance company, and a determination will be made as to the payout you are entitled to.
Now let’s say for example that you find you require $15,000 to fix a destroyed roof following a storm or a freak accident, but the insurance company has decided that you are entitled to only $5000. At that point, you will find that you will not only be unable to fix your deck, you will yet again set a precedent that you really don’t want to, and that can be a serious problem.
Calling in an Adjuster
At this point you will want to strongly consider calling in Vero Beach public adjusters to take a look at your case. The first thing they will do is look at the damage that has been caused by the event, and then they will look at the payout you were given. A third party adjustor will be able to quickly determine whether or not you are entitled to more money, and if so, they can advocate on your behalf. During this process they will attempt to make a settlement, generally, rather than taking the case to court. If a settlement cannot be reached, however, an adjustor will most definitely seek to take the case to court and get you the payout that you deserve.
If you feel that your claim is going to end in an unsatisfactory resolution regardless, then it might be within your best interest to seek out an adjustor before the case is actually examined by an insurance agent. The question you might be asking right now, is can you do that? That is probably a fair question, considering the circumstances. As it turns out, you CAN have a public adjustor working alongside your insurance company, and this is done quite frequently, believe it or not. All you need to do is make sure that you call your public adjusters in Vero Beach Florida to make sure that they will be on site when the inspection happens.
That said, there is absolutely no reason that you should not get the result you need, when you need it. Don’t worry, a good public adjustor will be able to assess the damage and help the insurance company to come to the right conclusion – it’s been done before and it will most certainly be done again. The vast majority of public adjustors, fortunately, are former inspectors and insurance agents themselves, giving them a definite edge in the market. Get your claim sorted out today, but do so within thirty days of receiving your check. It’s a fast paced world and sometimes one that seeks profit over all else.